March 16, 2024


 min read

Citizenship by Investment - Build Your Better Future






Saint Kitts and Nevis


Citizenship by Investment - Build Your Better Future


The Power of Dual Citizenship

In an increasingly globalized world, the concept of citizenship has evolved. Today, people are no longer confined to the borders of their birth countries. As a result, obtaining additional citizenship has become an attractive option for those who seek greater freedom, mobility, and growth opportunities. One such way to accomplish this is through Citizenship by Investment (CBI) programs, which enable successful individuals to secure a second or even third passport by making a significant financial contribution to their chosen country. In this comprehensive guide, we will explore the various aspects of citizenship by investment, its numerous benefits, and the top global citizenship by investment programs available.

What is Citizenship by Investment (CBI)?

The Basics of CBI Programs

Citizenship by Investment is a process where individuals can acquire a second citizenship by making a substantial investment in a country's economy. This can take the form of real estate purchases, business investments, or direct contributions to government funds, among other options. In return, the investor and their family members are granted citizenship and a passport, which can open doors to numerous benefits such as visa-free travel, improved personal security, enhanced business opportunities, networking, and more.

A Brief History of CBI Programs

Citizenship by Investment (CBI) programs have evolved significantly since their inception, with the first program emerging in Tonga in 1983 (which failed miserably). Then Saint Kitts and Nevis pioneered the concept of citizenship by investment in 1984, becoming a model for future CBI programs. Throughout the years, numerous countries have launched their own citizenship by investment programs, such as Belize, the Marshall Islands, Ireland, Samoa, Peru, Grenada, Cambodia, Nauru, and the Comoros.

One notable example is Comoros, which made citizenship by investment officially legal as part of its nationality law between 2006 and 2011, selling around 48,000 citizenships at wholesale prices. The Belize Economic Citizenship Investment Program (BECIP) also stood out during the 1990s, offering citizenship for a $40,000 investment, making it the most affordable CIP in the Caribbean at the time.

However, these programs have faced various challenges, including controversies, public outcry, and scrutiny over issues such as due diligence standards and pressure from foreign governments. Despite the obstacles, CBI programs have continued to adapt and evolve, remaining an attractive option for many individuals seeking alternative citizenship opportunities.

The Evolution of CBI Programs

Over the years, CBI programs have evolved significantly, adapting to changes in the global landscape and addressing various challenges that have emerged. One of the key developments in the CBI industry is the diversification of investment options. Initially, these programs primarily focused on real estate investments and direct financial contributions to the host country's government. However, as the market matured, countries began to introduce alternative investment options, such as investing in government bonds, business ventures, and infrastructure projects.

The adoption of more stringent vetting procedures by many nations is another notable development in the CBI industry. This development comes as a response to concerns about security, transparency, and the potential misuse of these programs for money laundering, tax evasion, or other illicit activities. Today, most countries with CBI programs have implemented rigorous due diligence and background checks, ensuring that only legitimate investors can obtain citizenship through their programs.

The Benefits of Citizenship by Investment

Global Mobility and Visa-Free Travel

One of the most significant advantages of obtaining a second citizenship through investment is the increased global mobility it offers. A powerful passport can grant its holder visa-free or visa-on-arrival access to numerous countries, making international travel more convenient and seamless. This is especially beneficial for business professionals who frequently travel for work, as well as for individuals who simply enjoy exploring the world.

Enhanced Personal Security and Privacy

Obtaining a second citizenship can provide individuals with a sense of safety and security, particularly if their home country is politically unstable or prone to conflict. Additionally, dual citizenship can offer a layer of privacy for those who wish to protect their personal and financial information and assets.

Access to Better Healthcare and Education

A strong second passport can grant access to world-class healthcare and education systems, which can be highly appealing for families seeking a better future for their children. High-quality medical care and internationally recognized educational institutions can significantly impact the well-being and success of the entire family.

Tax Advantages and Wealth Management

Depending on the country and its tax regulations, citizenship by investment can offer potential tax benefits for investors. This may include reduced tax rates on income, capital gains, and inheritance, as well as the option to establish tax-efficient structures for wealth management purposes.

Business Expansion and Networking Opportunities

A second citizenship can open doors to new business opportunities and allow investors to tap into global markets more easily. This can be particularly advantageous for entrepreneurs looking to expand their operations or explore new investment possibilities. Additionally, CBI programs often provide access to an exclusive network of like-minded investors and professionals, fostering valuable connections and partnerships.

Top Citizenship by Investment Programs

Caribbean CBI Programs

The Caribbean Citizenship by Investment (CBI) programs are considered the best for Americans and have become increasingly popular among investors seeking a second passport. These programs offer a range of benefits, including visa-free travel, tax advantages, access to the banking system, real estate, and investment opportunities. Here is a summary of the best Caribbean CBI programs:

  • St. Kitts and Nevis: Established in 1984, this is the world's oldest and most successful CBI program. Known for its efficient processing and attractive investment options, with minimum investment starting at $150,000 in the country's Sustainable Growth Fund or $200,000 in approved real estate. It provides visa-free access to over 150 countries, including the UK, and the EU Schengen area.
  • Antigua and Barbuda: Launched in 2013, this program offers a variety of investment options, such as real estate, business, and contributions to the National Development Fund. It boasts visa-free access to around 150 countries and a straightforward application process. Minimum investment of $100,000 in the country's National Development Fund or $200,000 in approved real estate.
  • Dominica: With its affordable investment options and a well-established program since 1993, Dominica requires a minimum investment of $100,000 in the country's Economic Diversification Fund and is a popular choice for many investors. The program offers several investment routes, including real estate and donations to the Economic Diversification Fund, and provides visa-free travel to over 140 countries, including China. 
  • Grenada: Grenada's CBI program, established in 2013, offers a range of investment options, including real estate and contributions to the Government Fund. The program provides visa-free travel to over 140 countries, including China, and access to the United States' E-2 investor visa program. Investors can obtain a Grenada passport by making a minimum non-refundable investment of $150,000 in the National Transformation Fund or by investing $220,000 in a pre-approved real estate project.
  • St. Lucia: Launched in 2016, St. Lucia's program offers multiple investment options, such as real estate, bonds, and contributions to the National Economic Fund. With visa-free travel to over 145 countries, its program is highly attractive to investors.  Investors can obtain a St. Lucia passport by making a minimum non-refundable investment of $100,000 in the National Economic Fund or by investing $200,000 in a pre-approved real estate project or $300,000 into NAB - Government Bonds. 

These Caribbean CBI programs have evolved to offer diverse investment options, stringent vetting processes, and greater global mobility for investors. As they continue to adapt and maintain high standards, they remain an appealing choice for those seeking a second citizenship.

European CBI Programs

  • Malta Citizenship by Investment program is a highly sought-after European CBI option that offers a myriad of benefits to investors seeking EU citizenship. Launched in 2013, the program provides a fast-track route to obtaining Maltese citizenship through a combination of financial contributions, property investments. Top citizenship comes with a hefty price tag of 900,000 euros, but in return, you get a Rolls-Royce of citizenship by investment programs.
  • Austria Citizenship by Investment program is a prestigious and highly sought-after option for high-net-worth individuals seeking a second citizenship in a nation with a strong economy, vibrant culture, and top-notch living standards. With a 3,000,000 euro contribution amount to the government fund and complexities in the program process, it is extremely difficult to get this one, even if you are a top-notch candidate and investor. 

The European Union also has residency programs, commonly known as Golden Visas, that offer a unique opportunity to obtain permanent residency rights in some of the most sought-after destinations across the continent. These programs enable investors and their families to secure a brighter future by providing access to top-notch healthcare, education, and an improved quality of life. With various investment options such as real estate, investment funds, and business development, Golden Visa programs cater to diverse financial preferences and lead to European citizenship and passports in the long run. The most popular countries for Golden Visa programs are Portugal, Spain, Greece, and Italy. 

Middle East CBI Programs

  • Turkey's citizenship by investment program offers a unique opportunity for foreign investors to obtain Turkish citizenship by investing a minimum of $400,000 in real estate. The benefits of obtaining a Turkish passport through this program include passing citizenship to children, visa-free travel to more than 110 countries, and the potential to live and work in the USA and UK as a Turkish citizen. 
  • The Egyptian citizenship by investment program offers a streamlined and flexible process for individuals interested in investing in Egypt and gaining access to the Middle East and African markets. The program offers various investment options, from real estate to central bank donations and starts with a minimal investment of $250,000.
  • Jordan’s citizenship by investment program provides an opportunity to obtain citizenship and get access to the Middle East and its economic sector. Investment options vary: bank deposits, treasury bonds, securities, small and medium enterprises, or local job-creating projects. The minimum investment amount is $750,000 and fast residency permission the application process involves an annual review of up to 500 cases only.

Asia and Pacific CBI Programs

  • Cambodia's citizenship by investment offers foreign investors access to Cambodia and the other 8 countries of the South Asia Association for Regional Cooperation (SAARC) through a donation of $320,000 to the Royal Government Fund of Cambodia.
  • Vanuatu's citizenship by investment program is a fast-track alternative for investors looking to diversify their freedom. With a non-refundable donation of $130,000 it offers  Vanuatu citizenship and passport in 2-3 months. Recent changes introduced an option to invest in government bonds issued by the Reserve Bank of Vanuatu.

Additional Citizenship and a Passport Open Up a World of Possibilities

Citizenship by Investment programs offer a unique opportunity for successful individuals to unlock global possibilities and enhance their quality of life. By carefully evaluating the various CBI options available and working closely with a specialized boutique firm like Golden Harbors, investors can secure a second passport that provides not only increased mobility and personal security but also access to a world of new opportunities for themselves and their families. 

CBI programs are not a one-size-fits-all solution, and it is essential to weigh the benefits and investment requirements of each program before making a decision. Citizenship by Investment is a life-changing opportunity that opens doors to unlimited possibilities. It's time to take control of your destiny and secure a brighter future for yourself and your loved ones:


Frequently Asked Questions

Below are the most common questions that we hear from our customers online.

What is citizenship by investment?

Citizenship by Investment (CBI) is an official mechanism offered by some countries that allows individuals to obtain citizenship in exchange for a significant financial investment in the country's economy. These programs aim to attract foreign investment, boost economic growth, and create opportunities for local businesses and citizens.

Who is eligible?

Eligibility for CBI programs varies by country, but generally, applicants must be at least 18 years old, have a clean criminal record, and demonstrate good health. Additionally, applicants must meet the specific investment requirements set by each country, such as investing in real estate, government bonds, or government economic funds.

How much does citizenship by investment cost?

The required investment amount for CBI programs varies by country and can range from $100,000 to several million dollars. In addition to the investment, applicants may also need to pay various processing fees, due diligence fees, and legal fees, depending on the specific program.

What are the benefits of a second citizenship and passport?

CBI programs offer numerous benefits, including visa-free travel to many countries, enhanced personal safety and security, improved global mobility, and access to better education and healthcare systems. Additionally, obtaining a second citizenship can provide tax planning opportunities and serve as insurance against political or economic instability in an individual's home country.

Are there any tax implications for obtaining citizenship through investment?

Tax implications vary by country and depend on individual circumstances. Some countries, like St. Kitts and Nevis, have zero global income tax, while others may have more complex tax systems. It is essential to consult with a tax professional to understand the specific tax implications of obtaining citizenship through investment.

Can I include my family in the citizenship application?

Many CBI programs allow applicants to include their spouse, children under a certain age, and sometimes even parents or grandparents in the application. The specific requirements and fees for including family members vary by country, so it's essential to research the specific program you are interested in.

How long does the CBI process take?

The processing time for CBI applications varies depending on the country and the complexity of the applicant's background. Generally, the process can take anywhere from a few months to over a year. Some countries offer expedited processing options for an additional fee.

Are there any risks associated with CBI programs?

While many CBI programs are reputable and legitimate, it is essential to conduct thorough research and work with experienced professionals to minimize any risks or potential scams.

Where can I get more information about each CBI program?

Golden Harbors website has information on all official and verified CBI programs that are currently available.

Saint Kitts and Nevis

Residence Benefits

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Visa free travel to 157 countries

Including the E.U. and Schengen area, the U.K., Hong Kong, Malaysia, Singapore, and others. U.S. B1/B2 tourist visa (valid up to 10 years)


Global mobility and freedom

Up to 6 months, expedited processing option up to 60 days


Fully remote application process

We take care of the paperwork and help you prepare and submit your application - you receive your passport via DHL Express. No residency requirements to maintain citizenship status


Global mobility and freedom

No tax on inheritance, capital gains, foreign income, dividends, interest, or royalties


Business opportunities

Establish a company in Saint Kitts to diversify business risks and optimize your tax obligations


Global mobility and freedom

investors can purchase a ‘qualifying’ share of ownership in 5-star luxury hotels/resorts with a potential annual return of 2-4% from hotel operations. Capital investment can be recovered in 7 years


Dual citizenship is permitted

No need to renounce your previous citizenship when obtaining a St. Kitts and Nevis passport


Global mobility and freedom

Saint Kitts and Nevis


Processing Time and Terms

Enter your estimated application start date for St. Kitts and Nevis citizenship and receive a clear timetable for the entire procedure

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Sign a service agreement, fill out application forms, and pay the initial service and due diligence fees.


We compile a document package and submit it for due diligence performed by St. Kitts CBI unit


Due diligence and background check conducted by the state


We submit your citizenship application once we receive the approval, and you make payment of the outstanding investment amount, government fees, stamp duty, and other fees.


We supervise the issuance of your passport by St. Kitts and Nevis and send your Certificate of Citizenship and passport by DHL Express.

There are Always Options to EXPAND YOUR BOUNDARIES! Let's Discuss Yours

Every client is unique

Every case requires an individual approach and solution. Our years of experience in the industry allow us to provide both.

We will answer all your questions and provide detailed information about the available second passport and residency programs to help you make the right choice.


Lead Attorney at Golden Harbors

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Lead Attorney at Golden Harbors